Advocate Finance
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Advocate Finance
Buy to let mortgages for flats, houses, HMO's and blocks of flats available up to 25 million. Mortgages for semi commercial (part residential) and full commercial properties that are let to tenants. Interest only payments for 25 year terms. Fast, flexible funding solutions secured on any type of property for any purpose including auction purchases, property conversion and refurbishment projects.

Maximise funding for ground up new build projects including residential, semi commercial and full commercial properties. Funding ranges from 100,000 to 50 million and can include all property asset classes. Properties can be a single property or a large portfolio comprising hundreds of properties. Even if you have been refused elsewhere, we are still able to help in most cases.
Services
Two times winners of "Finance Broker of the Year" at the Property Investors Awards. We are based in Essex but have successfully worked for clients across all of Great Britain. We are fully licenced by the Financial Conduct Authority and members of the National Association of Commercial Finance Brokers.
From the perspective of a lender an ex-pat who is an applicant who a UK or EU citizen that has previously resided in the UK for more than 3 years and in that time built up a credit record with a mortgage history. Due to career changes the applicants are now working outside of the UK usually with a multi-national company or Government body and intend at some stage to return and reside in the UK.
The lenders definition of a trading limited company is one that is established where it's main trading activity is solely buying and renting of property which would be SPV limited company.

We have assisted a large number of customers operating these companies especially in the consulting sector where they operate as a trading limited company and generate surplus funds in these limited companies that they want to invest into property to then rent out.The market is slightly smaller that the that for SPVs but we still have a wide choice of lenders that provide competitive interest rates and terms.
We have access to lenders who can provide loans and buy to let mortgages for offshore limited companies, secured on UK property. Due to the company being offshore the lender will require specialist legal advice. This is to ensure the company has the power to borrow in the country or jurisdiction that the company is registered.
The private rental sector is going from strength to strength as more people look to rent long term. And with no sign of things slowing, the demand for rental accommodation has been great news for private and professional landlords. Record low mortgage interest rates, high rental yields and an uncompetitive housing market.
Reviews (15)
Rod Turner
Rod Turner
Jan 09, 2022
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Excellent service from David and the team on a complex purchase where he went above and beyond in liasing with all parties to ensure the lender was comfortable whilst giving us a good product
Daniel Morehen
Daniel Morehen
Jan 07, 2022
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Great service from the Advocate team namely Henry who we have been dealing with for a number of months. We've explored options for HMOs, BTLs and bridge options and always get a variety of options.
Always receive prompt and detailed responses and alternative options we may not have considered ourselves which is what we want from a broker in this field.
Great service all round and saves us the time and effort of searching for mortgage and finance options. We've now completed on 4 products with Advocate and will be using them going forward
Ian Mcbain
Ian Mcbain
Nov 15, 2021
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I’ve been a client of Advocate Finance for a few years now. Their service is first class. The great thing is they always have solutions to most or all of your challenges. They understand your requirements fully and that why I’ve absolutely no problem recommending their services to others and I do this regularly. If you need to get THE brokers to fulfil your lending potential then look no further. David, Henry, Rochelle, Megan, Ollie, thanks again for all your help
Fiona Taylor
Fiona Taylor
Sep 24, 2021
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Advocate Finance were recommended to me for finance advice in regards to starting on my property journey. Megan from the outset was easy to approach and extremely helpful. With her help I have just completed on my first buy to let property. This is hopefully the start of along and rewarding relationship.
Saviour Udo
Saviour Udo
Sep 17, 2021
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Big thanks to Mr JOHN one of the best binary option manager who has the best strategy and signals that can help you win every time you trade .. before meeting him I was scammed several times and I lost $2000 to 2 different managers who claims they are real but turn into monsters the moment I fund my trading account ... but today I'm so grateful to… Mr JOHN for coming to my rescue .. I posted this to those who are already given up on binary and Forex options and to the newbies take advice and be saved.. if you contact him tell him I referred you to him so that I will have my referring bonus
Fiona Taylor
Fiona Taylor
Sep 04, 2021
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I am new to property investment but Megan took me through the whole process from initial stages to completing on my first buy to let property last month. I never felt awkward or embarrassed about asking even the most basic questions. Hopefully this is the first of many!
Ryan Rampton
Ryan Rampton
Aug 26, 2021
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Very professional service and just what I have required in every angle to complete my requirements of taking advocate finance on as a broker. Can't rate them high enough, very happy service provided.
Angie Lim
Angie Lim
Jul 29, 2021
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David has helped me to resolve my financial needs many times. Very professional and knowledgeable. Helpful and friendly staffs. Best finance brokers, highly recommend.
Napa G. Bafikele
Napa G. Bafikele
Jun 04, 2021
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My experience with Advocate Finance has been amazing so far. Megan’s customer service is truly amazing. She is very knowledgeable and efficient. Highly recommend
Songul Batihan
Songul Batihan
Apr 16, 2021
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Very professional team here at Advocate finance who work very hard and ensure you get the best deal.
Ian McBain
Ian McBain
Apr 09, 2021
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Henry is the main man. Always responsive helpful and knowledgeable. If your looking for mortgage brokers that go the extra mile then you’ve found them
Chris Ives
Chris Ives
Feb 06, 2021
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Have dealt with Jake on a number of mortgages and deals now. Excellent service and knowledge. Nothing is to much trouble and always manages to find a lender for what are probably not the easiest of deals to finance. Highly recommended thanks Chris
Paula Bushnell
Paula Bushnell
Jun 27, 2020
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I Most Highly Recommend Advocate Finance. They are excellent brokers in whom I have complete faith. Advocate are so very professional, calm and approachable, respond rapidly and thoroughly to all communications. During the COVID-19 crisis Advocate worked from their homes and continued business as usual, with Jake keeping me fully updated. This… enabled my property purchase to Complete during lockdown without any loss or breakdown of the transaction. Jake also negotiated an option to extend a bridging loan in case the COVID-19 crisis caused the sale of my flip property to be delayed beyond
Paula Garnett
Paula Garnett
Dec 12, 2019
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Ben has been so helpful and patient guiding me through the process as a first time landlord. Really knows his stuff. Received the mortgage offer yesterday less than a week after application and couldn't be happier. Exciting! Looking forward to using your services again soon. Really recommend.
Jacqueline Dobson
Jacqueline Dobson
Nov 15, 2019
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We regularly use Advocate for our mortgage products. Having used them 4 or 5 times for different property projects, we find them to be most helpful and are willing to answer any questions or queries that we have. They are our go to broker.